Hrvatska postanska banka d.d. (ZSE:HPB)

ZSE:HPB Statistics

Total Valuation

ZSE:HPB has a market cap or net worth of EUR 587.14 million.

Market Cap	587.14M
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Tuesday, April 28, 2026.

Earnings Date	Apr 28, 2026
Ex-Dividend Date	Jan 5, 2026

Share Statistics

ZSE:HPB has 2.02 million shares outstanding. The number of shares has decreased by -0.00% in one year.

Current Share Class	2.02M
Shares Outstanding	2.02M
Shares Change (YoY)	-0.00%
Shares Change (QoQ)	n/a
Owned by Insiders (%)	n/a
Owned by Institutions (%)	26.16%
Float	661,040

Valuation Ratios

The trailing PE ratio is 9.99.

PE Ratio	9.99
Forward PE	n/a
PS Ratio	2.95
PB Ratio	1.02
P/TBV Ratio	1.06
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	-0.34
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 10.35%.

Return on Equity (ROE)	10.35%
Return on Assets (ROA)	0.71%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	2.16%
Revenue Per Employee	110,997
Profits Per Employee	32,795
Employee Count	1,779
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, ZSE:HPB has paid 13.14 million in taxes.

Income Tax	13.14M
Effective Tax Rate	18.27%

Stock Price Statistics

The stock price has increased by +6.62% in the last 52 weeks. The beta is 0.07, so ZSE:HPB's price volatility has been lower than the market average.

Beta (5Y)	0.07
52-Week Price Change	+6.62%
50-Day Moving Average	285.80
200-Day Moving Average	290.57
Relative Strength Index (RSI)	55.82
Average Volume (20 Days)	250

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, ZSE:HPB had revenue of EUR 198.91 million and earned 58.77 million in profits. Earnings per share was 29.03.

Revenue	198.91M
Gross Profit	198.91M
Operating Income	71.07M
Pretax Income	71.91M
Net Income	58.77M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	29.03

Balance Sheet

The company has 2.49 billion in cash and 676.80 million in debt, with a net cash position of 1.81 billion or 895.24 per share.

Cash & Cash Equivalents	2.49B
Total Debt	676.80M
Net Cash	1.81B
Net Cash Per Share	895.24
Equity (Book Value)	575.75M
Book Value Per Share	284.38
Working Capital	-4.92B

Cash Flow

In the last 12 months, operating cash flow was -2.00 billion and capital expenditures -16.45 million, giving a free cash flow of -2.01 billion.

Operating Cash Flow	-2.00B
Capital Expenditures	-16.45M
Depreciation & Amortization	n/a
Net Borrowing	208.29M
Free Cash Flow	-2.01B
FCF Per Share	-993.50

Margins

Gross Margin	n/a
Operating Margin	35.73%
Pretax Margin	36.15%
Profit Margin	29.55%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 21.83, which amounts to a dividend yield of 7.53%.

Dividend Per Share	21.83
Dividend Yield	7.53%
Dividend Growth (YoY)	2.86%
Years of Dividend Growth	3
Payout Ratio	82.34%
Buyback Yield	0.00%
Shareholder Yield	7.53%
Earnings Yield	10.01%
FCF Yield	-342.59%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	2